... was foreclosed on in Jan 2015 and was just sold in Jul 2015. My house was sold at 10k less than we owed on it. Will we owe that 10k in the state of tn? have student loans and credit card debt and a car loan that I am barely making payments on to keep. What do I need tp do to get my finances back in check? We have barely any income and my working is not an option right now until my medical gets resolved. PLEASE give us advise on how to start making thr gith steps to get out of financial ruin